:root{--ink:#1d2922;--muted:#637067;--paper:#fbfaf6;--white:#fff;--line:#dfe5df;--green:#2f6046;--green2:#47775c;--sand:#f0eadc;--soft:#eef4ef;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.7 Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif}
a{color:var(--green)}.wrap{width:min(var(--max),92%);margin:auto}.site-header{position:sticky;top:0;z-index:20;background:rgba(251,250,246,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}
.nav{min-height:74px;display:flex;align-items:center;gap:22px}.brand{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font-weight:850;letter-spacing:-.025em;white-space:nowrap}.brand img{width:34px;height:34px}
nav{display:flex;align-items:center;gap:17px;margin-left:auto}nav a{text-decoration:none;color:var(--ink);font-weight:680;font-size:.93rem}.headcta{background:var(--green);color:#fff!important;padding:10px 14px;border-radius:8px}
.hero{padding:70px 0 50px;background:linear-gradient(#f1eee4,var(--paper))}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:.75rem;font-weight:850;color:var(--green)}
h1,h2,h3{line-height:1.14;letter-spacing:-.035em}h1{font-size:clamp(2.3rem,5.5vw,4.5rem);margin:.18em 0;max-width:900px}h2{font-size:clamp(1.65rem,3vw,2.45rem);margin-top:1.7em}h3{font-size:1.22rem}.lede{font-size:1.18rem;color:#455149;max-width:800px}
.btn{display:inline-block;background:var(--green);color:#fff;text-decoration:none;padding:13px 18px;border-radius:8px;font-weight:800;margin:7px 7px 7px 0}.btn.secondary{background:transparent;color:var(--green);border:1px solid var(--green)}
.section{padding:44px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:23px;box-shadow:0 8px 28px rgba(40,55,45,.04)}.card h3{margin-top:0}
.layout{display:grid;grid-template-columns:minmax(0,800px) 280px;gap:46px;align-items:start}.article{padding:34px 0 20px}.article p,.article li{font-size:1.04rem}.breadcrumb{font-size:.88rem;color:var(--muted);padding-top:22px}.breadcrumb a{color:var(--muted)}
.sidebar{position:sticky;top:98px;margin-top:42px}.sidebox,.moneybox,.note{background:var(--soft);border:1px solid #cdd9cf;border-radius:13px;padding:20px;margin:24px 0}.sidebox .btn,.moneybox .btn{display:block;text-align:center;margin:12px 0 0}.sidebox ul{padding-left:18px}
table{width:100%;border-collapse:collapse;margin:22px 0;background:#fff}th,td{padding:11px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:#f2efe6}.pill{display:inline-block;background:var(--sand);border-radius:999px;padding:4px 9px;margin:3px;font-size:.82rem;font-weight:700}
.disclosure{border-left:4px solid var(--green2);background:#f2f6f2;padding:14px 17px;margin:20px 0}.small{font-size:.88rem;color:var(--muted)}
footer{border-top:1px solid var(--line);padding:38px 0;margin-top:50px;color:var(--muted)}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
@media(max-width:900px){nav a:not(.headcta){display:none}.layout{grid-template-columns:1fr}.sidebar{position:static;margin-top:0}.grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.grid,.footergrid{grid-template-columns:1fr}.brand span{font-size:.92rem}.headcta{font-size:.82rem;padding:8px 10px}.hero{padding-top:45px}}